Interest-computing time-table



T. 0. HEGGEN. INTEREST COMPUTING TIME TABLE;

APPLICATION HLED HJLY B- I919.

Patented June 14, 1921.

nulwrtlkm and State of UNITED gs TEs PA ENT OFFICE-.1,

'ronxEL o. HEGGEN, or ron'r nonen, Iow'A.

To all whom it may (20mm.-

Be-it known that I, Town 0. Hnoenma citizen of the'United States, and a resident in the county of Webster owa, have invented a certain new and useful Interest-Computing Time- Table, of which the following is a specification. i Y

The object of Fort Dodge,

of my invention is toprovide an interest computing time table of simple,

durable and inexpensive construction, having means thereon for recording the number of expired andunexpired days of the ear. further object is to provide such a device havingvmembers thereon for recording the number of expired days of the year, and for-recording the number of unexpired days of the year, the members being of such material that the records made eachday may be readily erased by the use of an ordinary rubber eraser-. r

A further objcctof mydevice isto provide means for-recording the expired and unexpired days of the year, whereby the user mayat a glance see the number of expired or unexpired days in the year, and

meansvwhereby the number of expired and unexpired days may be changed from day to ay. 7, r A further object is to providesuch a. de-

vice having parts so arranged that the user may find on one part of the device the number of unexpired days ofthe year, and may ascertain from another part of the device the number of expired days of the year.

i A further object is to provide such a "device having a cover comprised of hinged -members, and havlng indrcatlng characters representing' the month of the year and the days of the month, and indicating characters representing the unexpired days of the year, and having similar'indicating characby the vertical lines 21 linesr22.

m'rnnnsr-ooururme TIME-TABLE.

Speciflcation of Lettersl'atent. P t t Ju 1 1921 Application vfiled July. 8, 1919. Serial No. 309,395.

' members resting in their open position face upward: o v i Fig. 2 shows a transverse, sectional view of the device taken on the line 2-2 of Fig. 1; v

. Flg. 3 Shows a transverse, sectional view taken on the line 3-3 of Fig. 1.

In the accompanying drawings I have used the reference characters A and B to indlcate the cover members having the indicatmg characters thereon.v

The cover members A and B are hinged together by means of a flexible bindinglO. Resting on the flexible binding 10 isa 'stiif board or the like 11. 7

The stiff boards 11 are somewhat smaller than the fiexiblebinding 10, so that the blndlng may be turned up at-its' edges and overlap the stiffening 11 at 12."

Resting on the cardboardll are the sheets 13 and 14. The sheet 13has the expired days of the year listed thereon, and the sheet 14 has the number of unexpired days thereon. e 1" Placed over the sheets 13 and 14 and of the same size as the sheets 13, and 14. are transparent protectors 15 and 16.

At the lower portion of the device" arethe openings 17 and 18 in the binding 10. yCelluloid members 19 and 20-are placed there- Over the celluloid member 19 is the word Unexpned, androver the celluloid indicates the side showing the unexpired and the side showng the expired days of the hyear.

The indicating characters are separated and the horizontal The indicating characters are arranged so that at each side the day of the monthis shown thereomand at the upper and lower sides of the sheet are the names of the months of the year.

The indicating characters in the unexrpired sheet starts with 365 on January 1st,

and ends with 1 on December 31st of the same year. a jl The sheet containing the expired days commences withzero on'January 1st, and ends with'364 on the 31st day of December of the same year;

i I It W111 be seen that when it is desired to compute the number of unexpired days at any'certam date, all .hat is neces ry tor .member 20 is the word Expired. This the user todo is to glance at theupper portion of the sheet showing the names of the month and find the month which he desires to use, and then glance at the right or left of each sheet and find the day of the month that is to be used.

the number of unexpired days in the year.

For example, if I were to figure the num-' ber of unexpired days from June 11th, it wouldbe necessary to find'the column containing J une, and then glance at theright or left'of the sheet showing the date and come to eleven, Where the June column and the eleven column intersect would show the number-of unexpired days which, in this case, would be 204.

It will be seen that in "computing discount it is desirable that the banker should know the exact number of days, and by my device he could readily ascertain the number of unexpired or expired days of the year.

The celluloid members 19 and 20 are provided so that the user of the device may record in pencil the number of unexpired and expired days upon said members For example, if onJun'e 11th, there were 520iunexpired days remaining in the year, the 'user would place uponthe celluloid member-. 19 204 in pencil. This would be done at the commencement of business on June 11th, sorthauduring the entire day if any notice of discount is to be computed, the user merely glances at the device and sees that under the-unexpired heading on the celluloid member 19 there would be indicated the characters 204Q Y At the commencement of business on the following day, which would be June 12th, the user would erase the pencil characters 204Land place thereon the new characters 203 which would show the number of unexpired days on June 12th of that year.

On the opposite side of the cover member are the characters indicating the number of expired days. For example if it were necessary to compute the number of expired days from January 1st to September 12th, all that would be necessary would be to find the column headed by the month September, and then look at the right or the "leftof thesheet showing the date, and there find the numeral 12, and where the column containing 12 and the column containing September'intersect,would show the number'of expired days in that year, and in this case it would be 254.

For" example at the commencement of business on' J une' 11th, the number of 'unex pired days was 204 which would be recorded under the unexpired heading, and the user wanted to find the number of expired days, by

the use of the process heretofore explained,

on theexpired sheet, it would show that on Where the month 001- umn and the date column intersect will show 1 -which may June 11th, there had expired 161 days. The 161 is then recorded on the celluloid member 20 under the heading expired.

It will be seen that the number of unexpired and expired days would always total 365, the number of days in the year.

If the user would want to compute any discount by the use of this device he could very readily compute the number of expired days or unexpired days and thereby calculate the notice of discount upon the note.

It will be seen that it is not exactly necessary to find the number-ofexpired days from January 1st to a given certain date, but if it were desired to find the number of expired days between March 5th and July 9th, all that would be necessary would be to find the number of expired days on March 5, which would be 63, and then the'number of expired-days on July 9th, whichwould be 189; The difference 1 between 189 and 63 would be 126 which would be the number of expired daysbetween the given date March 5th, and July 9th.

' The members l9 and 20 are preferably made of celluloid'or may be made of'an suitable material which will take pencil writing thereon and yet may readily be erasedby using anordinary'pencil eraser.

It will be seenthatthe number of unexpired or expired "days may readilybe computed betweenany give dates of-the same year oi-"of difi'erent'years. Y

This device is very handyc. First that it can readily be used by anyone and will show the number of unexpired and expired days as" recorded upon the member-s19 and 20 each day, and yet enables the user to calculate the expired or unexpired days between any two given dates.

WVhen the device is not in use, the covers A and B may be folded upon. the hinged binding 10 forming a book.

The members 15 placed over the indicating sheets 13 and 14; protects the indicating charactersirom obliteration by usage.

By having the transparent members 15 the operator can use a pencil for-following the column in which he desires-to find'a certain character and it will not leave a pencil mark upon thedevice.

Some changes may be made in-the construction and arrangementof the parts of a my device without departing fromxthe essential spirit and purpose of my invention, and it is my intention to coverby my claim any modified forms of structure be'reasonably included within their scope.

I claim as my invention:

An interest computing time table, comprising two adjacent sets of indicating characters, one, being provided with columns indicating the monthsof the year and with lines at-right angles thereto indicating the days of the month and with numerals arran ed between said columns and lines for indicating the number of expired days in the year for any given month or day of the year, the other being similarly provided with columns for indicating the months and lines for indicating the days and also being provided with figures indicating the number of unexpired days in a year for any 10 given date, substantially as set forth, and a device adjacent to each of saidsets'of indicating characters capable of receiving pencil marks and also capable of having said marks erased without deterioration of said member, with the word Expired printed.- adjacent to one of said devices and the word Unexpired adjacent to the other for thepur oses stated.

Des oines, Iowa Ma 16, 1919. TOfiKE O. HEGGEN. 

